AJB Blog

Staying In Touch With You

Tag Archives: Mamaroneck

New York Winter Driving Tips

New York Winter Driving Tips Think you’re a good driver? Even in the icy snow of a New York winter? Test your winter driving knowledge with these driver safety tips: You don’t have to heat up the car. Modern cars start pretty quickly. As long as your windows are clear, the mechanics should be good to go in about 30 seconds. Don’t put heavy items in the backseat. Typically, people put a lot of weight in the back. But when you’re moving, the weight becomes an added burden that you have to stop and much more pulling you in all direction. It takes 4-10 times longer to stop when driving in ice and snow than in ideal driving conditions. As a driver, you should be constantly looking ahead, and keep a safe following distance from the car in front of you. Temperature drop affects tire pressure. Tires with low pressure are dangerous and don’t offer as much performance or safety. Cold weather can affect tire pressure- a ten degree drop in temperature eliminates one pound of pressure. It is also essential to make sure you have a sturdy set of snow tires that aren’t worn so you have the best traction on the road. Accelerate going up a hill. While this may seem counter-intuitive when you’re going up a hill, it is best to accelerate. Increase your speed and accelerate at the bottom of the hill to gain momentum, carry it into the hill, and try to maintain your speed. Slow down, going downhill. When you’re going downhill, you should identify that you are going down a hill, and slow down at the top. You don’t want to slow down at the middle or the bottom. In an emergency, put the break pedal down and hold it until it gains traction. What should you do in a rear wheel skid. If you change direction or increase speed quickly in the snow, your car could careen out of control. If you start skidding, turn into the skid and decrease the speed. As the car slows, turn the wheel back to the direction you want to car to go and begin to accelerate. You and your vehicles deserve quality Westchester County Auto Insurance from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy auto insurance quote by calling A.J….
Read more…

Posted in Auto Insurance, Blog | Also tagged , , , , , , , , , , , , , Comments Off on New York Winter Driving Tips

Flood Insurance Facts of New York

Flood Insurance Facts of New York Flood insurance is an essential component to ensuring your home and business is protected. However, flood insurance does not come standard in most homeowners policies, a fact many are unaware of until it is too late. Flood insurance remains a somewhat murky concept. How much flood protection insurance do I need? Do I really need it if I don’t live in a flood-prone area? Does my homeowner’s insurance cover any part? Here are some facts about flood insurance that you made not have known: There is no such thing as a flood-free zone. Some low-lying areas, near water, or downstream near a damn are at a higher risk- FEMA updates flood maps periodically identifying low, moderate, and high risk flood areas. In a high risk area, your home is more than twice as likely to be damaged by flood than by fire. Even low-risk areas account for 20 percent of NFIP claims, and receive one-third of disaster assistance. Even a small amount of water can be a serious disaster. According to the Flood Cost Calculator Most homeowners insurance policies do not cover flood damage. It takes 30 days after purchase for a policy to take effect, so it is important to buy it sooner rather than later. The average annual U.S. flood losses in the past 10 years were over 2.9 billion. Two feet of water is enough to float a vehicle. New land development can increase flood risk, especially if the construction alters natural runoff paths. Over 5.5 million people currently hold flood insurance policies across the United States. In the event of a flood, there are numerous resources in New York that can aid you, in providing information and updates. The New York City Office of Emergency Management has a list of government organizations, including federal, state, and local, that help residents with flood related issues, ranging from temporary homes for displaced residents to general information. The Tri-State region has seen a significant increase in flooding. Flood and Excess Flood insurance is a crucial component of your insurance package to make sure you and your family are protected. At A.J. Benet, we have the expertise to help you secure a comprehensive Westchester County flood insurance plan. Depending on your needs and your home’s value, we will determine how much coverage you need…
Read more…

Posted in Flood Insurance, Mamaroneck, New York | Also tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Comments Off on Flood Insurance Facts of New York

Dangers of Aggressive Driving

Dangers of Aggressive Driving Road rage and aggressive drives are huge hazards on the highway. Aggressive driving tactics increase the risk of a collision and can harm the driver, passengers and others around them on the road. Aggressive driving is defined by the National Highway Traffic Safety Administration (NHTSA) as “when individuals commit a combination of moving traffic offenses so as to endanger other persons or property.” This includes behaviors such as exceeding the speed limit, following another car too closely, failure to obey traffic signs, and erratic or unsafe lane changes. Drivers between the ages of 18 and 25 have the highest aggressive driving tendency. One out of five accidents resulting in injury have a direct link to aggressive driving. Aggressive driving is dangerous to the driver, the cars occupants, as well as other vehicles on the road. Even if you are a cautious driver, another aggressive driver on the road could distract you and increase the likeliness of a collision. To reduce aggressive driving, make sure to allow plenty of time for your trip. Even if you do get into an accident or close call with another driver, remain polite and courteous. Don’t use any aggressive hand gestures, and do not engage if they are antagonistic. By changing a few simple driving behaviors, you can make sure you stay safe on the road. Always follow the basic safety rules. Following at a safe distance, obey traffic signs, signal your turns, and make sure you have enough room when entering traffic or changing lanes. And keep an eye out for other aggressive drivers along the road. You and your vehicles deserve quality Westchester County Auto Insurance from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy auto insurance quote by calling (888) 639-4560.

Posted in Auto Insurance | Also tagged , , , , , , , , , , , Comments Off on Dangers of Aggressive Driving

Home Insurance: Protect Your Home While Your Away for the Holidays

Home Insurance Protect Your Home While Your Away for the Holidays Whether you’re flying across the country or driving down the street, the holidays is one of the busiest travel times of the year. You’re focused on herding the kids, gifts, and family dog in the car, making sure no one and nothing is left behind. But what about your home?  Thieves are opportunists- they will break into homes left vulnerable and unattended. Take a moment to beef up your home’s security while you away. Just a few simple tricks can help put your mind at ease. Put interior and exterior lights on timers/motion sensors. Set the timers on staggered hours to turn lights on and off at different times. Install tapered deadbolt locks on entry doors. The taper makes it extremely difficult to use a wrench or other tool to twist the lock open. Get someone to maintain your property by removing snow or mowing the lawn. Suspend the mail service and newspaper delivery, or ask a neighbor or trusted friend to pick it up for you. Newspapers lying in the driveway is a surefire indicator that no one is home. Install a monitored security system. Inform the local police department that your house will be empty. Ask a neighbor or friend to watch your house for you and check on it every so often. If possible, getting someone to house sit would also be a great option. The experts at A.J. Benet know how hard you work to protect your family year long. A package policy allows you to take advantage of benefits by consolidating multiple policies, such as  home insurance, with one insurance company. A.J. Benet offers Westchester County Home Insurance policies from top-tier insurance companies that are designed to insure your liability risks and property under one master program, helping to mitigate the problems you can encounter when you have multiple policies with different insurers. Contact us today for more information. Source: Insurance Institute for Business & Home Safety

Posted in Home Insurance | Also tagged , , , , , , , , , , , Comments Off on Home Insurance: Protect Your Home While Your Away for the Holidays

Youthful Driver: Apps to Avoid Texting and Driving

Youthful Driver: Apps to Avoid Texting and Driving Texting and driving is fast becoming one of the most dangerous hazards of the road. According to Stop the Texts, over one million people chat and text while driving each day. A driver who texts while driving is twenty-three times more likely to get into an accident than a driver who doesn’t text. And, of those killed in distracted-driving accidents, 995 reports involved a cell phone. Eighteen percent of accident fatalities were distracted-related crashes. It isn’t a small population either. Forty-nine percent of drivers with cell phones under the age of 35 send or read text messages while driving. Technology is changing and the distractions within the car are more dangerous than ever. But, there are some apps that can help combat that problem. Here’s a list Mashable compiled on how to avoid texting and driving. AT&T DriveMode. Once the app is selected, all calls, texts, and emails are silenced- the app also blocks you from reading or typing anything. You do still have the option to make an emergency phone call, access your music playlist, and make calls with up to five people. DriveSafe.ly. Rather than blocking your text messages, this app reads your text messages and calls aloud so you don’t take your eyes off the road. It will automatically respond to recipients for you, either by voice or with pre-set responses. Textecution. This app uses GPS to determine the speed you’re driving at. If you are clocked at more than 10 mph, the app disables texting so you can’t receive or respond to texts. You will be able to unlock messages when going less than 10 mph. For extenuating circumstances (like traveling on a train for example), you can ask for permission from the admin, who can override the settings. DriveScribe. This app measures and evaluates your driving performance by giving you points based on how well you stay within the speed limit and obey traffic signs. Text-STAR. The goal of Text-STAR is to eliminate driving distractions. It senses motion, and disables texting when you drive over 10 mph. It also allows you to schedule auto reply texts if you know you’ll be busy or doing something else. The issue is especially prevalent with younger drivers. At A.J. Benet, we know how important it is to make sure your young drivers stay safe…
Read more…

Posted in Auto Insurance, Teen Driver Insurance, Youthful Driver | Also tagged , , , , , , , , , , , , Comments Off on Youthful Driver: Apps to Avoid Texting and Driving

Thousands of Cars to be Crushed After Superstorm Sandy

Thousands of Cars to be Crushed After Superstorm Sandy A few weeks back, we looked at Hurricane Sandy’s impact on the Auto Industry in our blog post. This week, we’ll update you on the latest news. According to the Insurance Journal, the estimate of 230,000 insurance claims for vehicle damage remains unchanged. Thousands of vehicles are damaged beyond repair. In addition to sorting through the claims, there has been a huge issue of what to do with the cars. Many of the flooded vehicles were towed to holding areas. From there, they are being loaded onto car haulers and taken to facilities to be crushed. The damage has hurt individual owners and dealerships alike. In Brooklyn, NY, more than 7,000 brand new vehicles were parked in holding areas awaiting delivery to dealerships when Hurricane Sandy struck. The holding area was flooded with more than three feet of water. All resources were initially directed towards disaster and emergency relief efforts. Now that the immediacy has passed, government agencies are trying to get these vehicles towed to the holding areas, where they will be identified and crushed. The National Insurance Crime Bureau (NICB) is focusing its efforts on making sure the vehicles are identified. If you are looking to purchase a new car, be wary of buying any vehicle with previous water damage. Using the NICB’s VINCheck system, consumers can enter the VIN of a vehicle they are interested in purchasing to see if it has ever been declared as salvaged. Created in the aftermath of Hurricane Katrina, consumers can use the system to ensure they aren’t swindled into purchasing a flood damaged car, and to determine if a vehicle had ever been reported as stolen. You and your vehicles deserve quality Westchester County Auto Insurance from a responsive, community-based agency that always goes beyond just the policy. We invite you to request a courtesy auto insurance quote by calling (888) 639-4560.

Posted in Auto Insurance, Hurricane Sandy, Mamaroneck, New York | Also tagged , , , , , , , , , , , Comments Off on Thousands of Cars to be Crushed After Superstorm Sandy

Holiday Safety Tips for a New York Winter

Holiday Safety Tips for a New York Winter String the lights. Decorate the house. Invite the relatives. Bake the cookies. Find a tree. Buy gifts. The holidays can be overwhelming and the to-do list seemingly endless. In the craziness of the season take a moment to read these holiday safety tips for a New York winter. Holiday Safety Tips #1 – Lights. There should be no more than three standard-size set of lights per extensions cord. If you have to use multiple strings of lights, use several power strips. Make sure to use higher quality models that have a built in circuit breaker. Check your lights. Frayed or exposed wires can easily overload your power once the weather turns bad. Always turn Christmas lights off before you leave home or go to sleep. Holiday Safety Tips #2 – The tree. Make sure to buy a fresh tree. It should be green with no signs of any brown needles, and the needles should be hard to pull from the branches and don’t break when you bend them between your fingers. Keep the tree away from the fireplace, radiators, or any other heating sources. If you choose an artificial tree, choose one that is “fire resistant.” Holiday Safety Tips #3 – Candles. Blow out all candles before you leave the room. Make sure all candles are secured in holders and on steady surfaces that won’t tip over. Make sure all smoke alarms are installed on every level of your home. Check them monthly to make sure they work. The experts at A.J. Benet know how hard you work to protect your family year long. A package policy allows you to take advantage of benefits by consolidating multiple policies with one insurance company. A.J. Benet offers Westchester County Home Insurance policies from top-tier insurance companies that are designed to insure your liability risks and property under one master program, helping to mitigate the problems you can encounter when you have multiple policies with different insurers. Contact us today for more information. Source: Institute for Business & Home Safety

Posted in Home Insurance, New York | Also tagged , , , , , , , , , , , , , , , , , , Comments Off on Holiday Safety Tips for a New York Winter

Hurricane Sandy’s Impact on the Auto Industry

Hurricane Sandy’s Impact on the Auto Industry While many of the mass transit systems are up and running again, the auto industry is facing significant long term effects in the aftermath of Hurricane Sandy. The results are mixed, and often contradictory. Auto insurance claims are pouring in by the thousands. Demand for used cars is increasing as people seek to repair storm damaged ones, resulting in a shortage of rental vehicles available. The new car market will get a boost, but many dealerships have suffered losses and have to scrap thousands of brand new vehicles. Estimates by the National Automobile Dealers Association tally the results at up to a quarter-million vehicles across the East Cost may have been damaged by Hurricane Sandy. Nearly a month later, cars still line the streets, idly waiting to be towed. Rental cars are difficult to come by. Consumers need replacement cars for their own storm-damaged vehicles and emergency responders and local utilities need cars and trucks for the recovery effort. The result has left the rental car industry sorely scarce of vehicles. According to the New York Times, rentals for the four largest companies- Enterprise Holdings, Hertz Global Holdings, Avis Budget Group Inc. and Dollar Thrifty have all sold out in key location. Many are diverting vehicles from other areas to compensate for the high demand in the upcoming holiday season. Sales of autos have also seen a spike. Insurance companies have received thousands of auto claims, and many are looking to replace storm-damaged cars. But, auto dealerships located in storm ravaged areas have felt the effects. Despite the expected boost, large numbers of brand new cars were damaged. According to Auto Blog, Toyota, Chrysler, Nissan, and Honda are set to scrap around 15,000 new vehicles ruined by the storm. Contact A.J. Benet today for more information about our Westchester County Auto Insurance. (888) 639-4560 Source: Wall Street Journal

Posted in Auto Insurance, Flood Insurance, Mamaroneck, New York | Also tagged , , , , , , , , , , , , , , Comments Off on Hurricane Sandy’s Impact on the Auto Industry

Westchester County Winter Driving Tips

Westchester County Winter Driving Tips The holiday season also brings less than ideal weather conditions. While the snow looks beautiful while you’re snug inside with a mug of hot chocolate, it can create dangerous conditions on the road. Since the winter chill is just around the corner, let’s take a moment to review winter driving tips to keep you and your family safe. And don’t forget to pass these Westchester County Winter driving tips onto your teen driver. Getting the snow off your car. You want to make sure you protect the paint on your vehicle. Leave the shovel behind, and invest in a brush designed for auto snow removal. It will help save the paint job on your vehicle. It will be worth the time and money. Practice. No matter how many years of driving experience you have under your belt, navigating icy or snowy surfaces can be difficult and dangerous. Find an empty parking lot and practice a few turns on the snow. Wheels. Make sure to shovel the snow around your wheels and under the front and rear bumpers to clear away any snow. Spinning your wheels can dig the hole deeper, build up ice, and wear out your tires. Slow down. Winter roads in Westchester County pose a number of risks. Slow down when driving. During normal conditions, you should maintain a following distance of three seconds between you and another car. On winter roads, increase that to a full 8 to 10 seconds. And do not use your cruise control on any slippery surface. If all else fails. If your car does skid, don’t panic. Take your foot off the gas, and steer your car in the direction you want to go. Wait for the car to slow down, so you can regain control. Do not slam on the brakes. You and your vehicles deserve quality coverage from a responsive, community-based agency that always goes beyond just the policy. Contact A.J. Benet today for more information about our Westchester County Auto Insurance. (888) 639-4560

Posted in Auto Insurance | Also tagged , , , , , , , , , , , , Comments Off on Westchester County Winter Driving Tips

Mamaroneck Renters Insurance: Apartment Walk-through Checklist

Mamaroneck Renters Insurance: Apartment Walk-through Checklist You’ve signed the lease, packed up the bags. But before you move into that brand new apartment, make sure to schedule an apartment walk-through with the landlord. Similar to a home safety checklist, our apartment walk-through checklist can help ensure that you avoid any fees for damages inflicted by the previous tenant when you move out. Here’s our Apartment Walk-through Checklist Apartment Walk-through Checklist Tip #1 – Come prepared. Bring a camera to document any problem areas or damages you find. During the walk-through, take notes. And, it helps to bring a tape measure to make sure your furniture will fit through them- it will ease any moving difficulties ahead of time. Apartment Walk-through Checklist Tip #2 – The basics. Keep an eye out for insect or rodent infestation, such as droppings or chew marks. Plug your cell phone charger into the outlets. And make sure home phone and cable jacks are available, functioning, and accessible. Apartment Walk-through Checklist Tip #3 – Safety checks. Proper fire safety equipment should be installed throughout the apartment. This includes smoke and carbon monoxide detectors, as well as fire extinguishers. Make sure all safety equipment is working, and located in the proper areas. If you’re living in a large apartment complex, find the fire escape plan and make sure you know where to go in the event of a fire or other emergency. Apartment Walk-through Checklist Tip #4 – Doors & windows. Check that all windows and doors open and close properly, and make sure the screens on all the windows are intact. Test all the locks; if there is more than one type of lock, make sure you the necessary keys. Apartment Walk-through Checklist Tip #5 –Bathroom & Kitchen. Run all the faucets, and check for leaks underneath the sinks. Make sure all the appliances and plumbing are working as well. Check the shower head, and make sure the water heats up, and the water pressure is good. Apartment Walk-through Checklist Tip #6 – Bedroom & Living Room. Check all light switches, and test the air conditioner. Look for cracks in the wall, and check aesthetic details such as carpet stains, chipped paint, or nail holes in the wall. When the walkthrough is complete, schedule any repairs, and make sure to sign a document detailing the agreed-upon condition of the property.  Make sure to be detailed and thorough, and take…
Read more…

Posted in Mamaroneck, New York, Renters Insurance | Also tagged , , , , , , , , , , , , , , , , Comments Off on Mamaroneck Renters Insurance: Apartment Walk-through Checklist